Earning UPoints

Use the Emirates NBD U By Emaar credit card and earn valuable Upoints

Spend and earn Upoints

Our U by Emaar cards will enrich your life in many exciting ways. Use any of the cards below for your daily purchases to earn Upoints and redeem them at luxurious Emaar hotels and at over 1,500 stores at any Emaar entity.

U By Emaar Visa Family

U By Emaar Visa Signature

U By Emaar Visa Infinite

You earn Upoints every time you make a retail purchase or payment using your credit card. The rate at which you earn points depends on the type of credit card you’re holding and the type of transaction you make.


Domestic and international spends under the following categories earn points as follows:

  • Grocery and supermarkets, fast-food restaurants, insurance and car dealerships earn points at 25% of the base earning rate
  • Spends originating in European Union (EU) countries earn points at 25% of the base earning rate
  • Petroleum, transit, government services, utility payments, real estate, education and telecommunication payments earn points at 10% of the base earning rate

The number of points you earn is based on the type of U By Emaar card you have.

Credit card

Cap on Points per statement

U by Emaar Family

8,333 Upoints

U by Emaar Signature

16,666 Upoints

U By Emaar Infinite

83,333 Upoints

Your points reflect on your card and U By Emaar account 24 hours after you make a transaction.


Only retail spends on your statement earn you points. Transactions such as loans on your card, cash advances, bank fees and charges, balance transfers and 0% installment payment plans (except for 0% Instalment Payment Plans on transactions done with merchants at Emaar entities) don’t earn points. Click here to learn more about eligible transactions.

No, you won't lose your rewards. They'll just be transferred to your new Emirates NBD card.